Table I.F.10 Average individual out-of-pocket maximum (in dollars) per employee enrolled with single coverage in a health insurance plan that had a maximum out-of-pocket at private-sector establishments by firm size and selected characteristics: United States, 2016
Characteristics Total Less than 10 employees 10-24 employees 25-99 employees 100-999 employees 1000 or more employees Less than 50 employees 50 or more employees
United States 4,099    4,247    4,375    4,516    4,217    3,895    4,420    4,036   
Industry group **
Agric., fish., forest. 4,675    2,839    --    5,718    5,037    4,038    4,275    4,872   
Mining and manufacturing 4,091    3,951    4,185    4,643    4,246    3,871    4,377    4,058   
Construction 4,522    4,401    4,850    4,782    4,413    3,686    4,809    4,312   
Utilities and transp. 3,638    4,247    4,205    4,260    4,155    3,401    4,078    3,588   
Wholesale trade 4,250    4,703    3,861    4,584    4,215    4,124    4,465    4,178   
Fin. svs. and real estate 3,910    3,868    3,995    4,443    3,934    3,840    4,039    3,895   
Retail trade 4,277    3,955    4,164    4,677    4,171    4,245    4,317    4,269   
Professional services 4,043    4,595    4,356    4,302    4,248    3,817    4,390    3,982   
Other services 4,210    4,049    4,614    4,476    4,213    4,069    4,510    4,136   
Ownership
For profit, incorporated 4,129    4,386    4,372    4,602    4,246    3,920    4,480    4,058   
For profit, unincorporated 4,370    4,300    4,602    4,504    4,456    4,196    4,489    4,331   
Nonprofit 3,792    3,295    3,873    4,105    3,971    3,658    3,877    3,784   
Age of firm
Less than 5 years 4,387    4,307    4,265    4,574    4,281    4,359    4,295    4,444   
5-9 years 4,463    4,494    4,390    4,667    4,481    3,705    4,497    4,436   
10-19 years 4,351    4,281    4,422    4,553    4,341    4,060    4,450    4,295   
20 or more years 4,026    4,125    4,358    4,463    4,163    3,886    4,405    3,981   
Multi/single status
2 or more locations 3,982    --    4,070    4,480    4,186    3,898    4,350    3,973   
1 location only 4,353    4,247    4,399    4,526    4,260    3,780    4,427    4,287   
Percent full-time employees
Less than 25% 4,306    4,683    4,982    4,035    4,100    4,413    4,605    4,248   
25-49 % 4,293    4,538    4,145    4,427    4,558    4,116    4,447    4,264   
50-74 % 4,175    4,172    4,517    4,245    4,135    4,144    4,355    4,143   
75% or more 4,075    4,238    4,357    4,561    4,211    3,841    4,423    4,006   
Union presence
No union employees 4,169    4,269    4,370    4,547    4,222    3,963    4,420    4,109   
Has union employees 3,794    3,380    4,480    3,893    4,165    3,734    4,416    3,774   
Percent low-wage employees
50% or more low-wage 4,268    4,376    4,674    4,486    4,394    4,118    4,636    4,221   
Less than 50% low-wage 4,076    4,235    4,353    4,519    4,187    3,864    4,400    4,009   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2016 Medical Expenditure Panel Survey-Insurance Component.

Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix.

-- Data suppressed due to high standard errors or few reported values in cell.

** Definitions of industry groups and low-wage employees changed in 2000. These data are not comparable to IC data prior to 2000. See Technical Appendix.

 

Table I.F.10 Standard errors for average individual out-of-pocket maximum (in dollars) per employee enrolled with single coverage in a health insurance plan that had a maximum out-of-pocket at private-sector establishments by firm size and selected characteristics: United States, 2016
Characteristics Total Less than 10 employees 10-24 employees 25-99 employees 100-999 employees 1000 or more employees Less than 50 employees 50 or more employees
United States 23.80    104.43    95.20    56.70    52.88    32.54    52.71    26.49   
Industry group **
Agric., fish., forest. 411.88    520.42    --    1,186.27    260.75    463.60    784.51    466.86   
Mining and manufacturing 62.02    333.61    269.46    158.61    135.24    78.47    172.24    66.16   
Construction 118.98    429.14    334.05    169.64    234.96    264.93    188.47    152.62   
Utilities and transp. 90.73    415.52    543.80    275.66    242.88    104.51    259.51    96.62   
Wholesale trade 85.31    370.29    268.88    220.00    168.41    118.95    193.52    93.28   
Fin. svs. and real estate 66.37    206.84    384.65    228.16    140.27    84.23    169.33    71.33   
Retail trade 56.58    280.35    192.05    174.62    149.89    69.31    136.73    62.16   
Professional services 46.65    167.56    164.97    95.37    100.44    66.25    89.70    52.36   
Other services 61.59    246.76    180.60    127.33    134.75    92.08    115.30    71.31   
Ownership
For profit, incorporated 27.41    122.47    114.53    70.88    65.76    35.41    63.64    30.29   
For profit, unincorporated 67.73    222.22    208.70    123.50    148.09    111.93    113.65    81.87   
Nonprofit 60.78    266.34    240.00    140.34    105.22    88.18    151.07    65.12   
Age of firm
Less than 5 years 156.07    293.05    306.04    240.68    357.56    284.43    163.92    231.98   
5-9 years 92.30    346.22    202.74    158.53    149.53    262.59    146.66    117.81   
10-19 years 72.32    174.44    210.55    111.72    143.82    197.18    110.10    94.77   
20 or more years 26.35    147.18    126.17    75.02    60.19    33.14    71.00    28.20   
Multi/single status
2 or more locations 28.45    --    214.17    106.32    64.50    33.05    143.04    28.90   
1 location only 43.13    104.94    101.01    66.45    90.37    186.53    56.29    64.61   
Percent full-time employees
Less than 25% 99.55    454.65    415.49    246.56    223.42    117.10    220.16    109.87   
25-49 % 85.20    485.89    289.73    232.31    219.94    93.82    188.21    94.91   
50-74 % 57.36    266.79    269.16    154.32    128.04    75.19    151.81    61.69   
75% or more 27.20    117.10    106.77    63.70    60.15    37.44    59.01    30.37   
Union presence
No union employees 26.59    105.75    97.58    57.54    55.59    39.76    53.60    30.35   
Has union employees 52.50    517.85    420.23    316.74    175.52    55.45    286.76    53.23   
Percent low-wage employees
50% or more low-wage 60.14    404.26    264.16    154.32    117.55    81.13    169.36    63.73   
Less than 50% low-wage 25.85    107.65    100.36    60.86    58.93    35.36    55.41    28.98   

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2016 Medical Expenditure Panel Survey-Insurance Component.

Note: Definitions and descriptions of the methods used for this survey can be found in the Technical Appendix.

-- Data suppressed due to high standard errors or few reported values in cell.

** Definitions of industry groups and low-wage employees changed in 2000. These data are not comparable to IC data prior to 2000. See Technical Appendix.